1. Personal information
When you contact us, whether by phone, chat, email, through our websites or otherwise, we may keep a record of your communication to help solve issues that you might be facing, but also for training, quality assurance and statistical purposes, as well as to improve our products and services.
We collect and use personal information in the following ways.
a) To provide an estimate or quote, the purchase of products available through this site and to carry out our obligations for any agreement you have with us
We will use your personal information, and may share your personal information with other third parties acting on our behalf, for one or more of the following purposes:
- Analyse your insurance needs
- Give you an estimate or quote for our policies
- Administrate or carry out our obligations for any agreement you have with us
- Anticipate and resolve problems with our service
We may collect some sensitive personal information about you. For example:
- Your physical or mental health or condition, or the physical or mental health or condition of members of your family or household; or
- any criminal offence or alleged criminal offence committed by you or members of your family or household
We will only use such sensitive personal information to:
- Give you an estimate or quote for our policies; and
- administrate or carry out our obligations for any agreement you have with us
Where such sensitive personal information is about anyone other than you, you must get the explicit consent of that person before giving us the information.
If you are, or have been, a customer of ours then we may continue to process the information for carrying out our obligations in connection with any agreement you have with us. The requirement will continue for as long as the agreement exists and for a reasonable period of time afterwards as required under law.
It is a condition of using this website that you consent to us using your personal information in this way for the provision of an estimate or quote, the purchase of products available through this site and to administrate or carry out our obligations for any agreement you have with us.
b) For marketing purposes
We would like to keep you in the loop about news, products, competitions and offers from Hiscox.
To ensure we’re always improving and delivering our best products and services to you, we may also get in touch to ask for your feedback.
From time to time we share your information with carefully selected third parties for marketing purposes.
We will only use your personal information for marketing purposes with your consent. If you do not consent to us using your information for marketing purposes, please let us know by either ticking or unticking the relevant boxes provided on the quote pages on our Site.
If at any time after you have submitted your information to us, you wish us to stop using your information for any of these purposes; please email [email protected].
c) Disclosing your personal information to others
If you linked to our site from a third party site, such as a price comparison site, we may share some of your personal information with the third party site operator. We may supply the third party site operator with information such as the effective date of any insurance policy which you buy through our site and any premiums (including any renewal premiums) paid for that policy. The third party site operator will only use this information for internal business and accounting purposes, market research and sales data tracking, unless you have consented to them using this information for other marketing purposes, such as:
- sending you information about products and services; and/or
- sharing the information with their associate companies so they can send you information which may be of interest to you
We may analyse information about you on a personalised or aggregated basis. We may pass this data to the third parties and we may use this information to provide you with Hiscox or third party offers, promotions, adverts or commercial communications.
We use a third party advertising company to serve ads on our behalf across the Internet and we may share some of your personal information with them for the purposes of sales tracking, analysis, customer profiling. This personal information is not used for any other marketing purposes.
Other than the disclosures referred to in this policy, we will not disclose any personal information without your permission unless we are entitled or obliged to do so under law.
We may use data collected by Sessioncam during your visit to our website to contact you regarding products or services relating to that visit. This data may be transferred securely to a 3rd party.
d) Chat sessions
When you request live chat assistance from support agents, chat sessions are being recorded for quality assurance and training purposes, as well as to improve our products and services. As a result, all information exchanged during such chat sessions may be collected and used by us as part of our internal processes.
2. Non-personal information
We collect and use non-personal information in the following ways.
a) Internet Protocol (IP) addresses
When you visit our site, we log your IP address (the unique address which identifies your computer on the internet). We use IP addresses to collect broad geographic information on our site visitors. We do not link IP addresses to personally identifiable information.
- collect generic usage statistics of our site
- control how often visitors see similar advertisements
- track visitor preferences
- improve and update our site
Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive and cookies cannot be used to identify who you are.
The web-browsers of most computers are initially set up to accept cookies. You can set your web-browser to disable cookies or to inform you when a website is attempting to add a cookie. You can also delete cookies that have been added to your computer's cookie file.
If you disable cookies you may not be able to log into the secure area of our site to retrieve a quote, and your navigation of our site may be less enjoyable.
c) Web analytics
In order to develop our site in line with our customers’ needs, Hiscox keeps a track on which pages on our website are visited most frequently and how long visitors spend on our site. We use this information to help improve the site.
We never gather other information from your disk or computer. We collect a copy of the data held by the cookie for inclusion in any analysis. We use full SSL protocols when collecting visitor information on secure pages; this ensures that the site's security is not compromised. We encrypt all transmitted visitor information (even from non-secure pages), so no-one else can read the information we gather.
We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of this site. Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. Hiscox use Google Analytics to optimise this site and improve the service we provide to our visitors. More information about how to reject or delete this cookie may be found here: http://www.google.com/intl/en/privacypolicy.html (external link)
We use the Customer Insight Platform and the Audience Behavioural Intelligence web analytics solutions from Celebrus technologies (external link).
None of the information can be traced to an individual - we do not know who you are as a unique user, merely that there are a certain number of people using the site. We only collect data that relates to what goes on in the Hiscox site and the information cannot be used for marketing on an individual basis.
d) Website Recording
Our web site may also use the SessionCam web site recording service. SessionCam may record mouse clicks, mouse movements, page scrolling and any text keyed into website forms. The information collected does not include bank details or any sensitive personal data. Data collected by SessionCam is for internal use only. The information collected is used to improve our website usability and is stored and used for aggregated and statistical reporting.
e) Online surveys
From time to time, we may invite our website visitors and customers to participate in an online survey about our online and claims services. Participation is entirely optional and any information we collect is only used to improve the products and services we offer to our website visitors and customers. These online surveys are provided by ServiceTick Ltd (external link), InsightNow (external link) and Watermelon (external link).
f) Disclosing your non-personal information to others
We use a third party advertising company to serve ads on our behalf across the Internet. The third party may also collect anonymous information about your visits to our website. This is done by using a technology device commonly referred to as an action tag, which we place on various web pages within our website or in an html e-mail that allows the third party to collect anonymous information. The third party may use information about your visits to this and other websites in order to provide information about goods and services of interest to you.
3. Keeping our records accurate
We have implemented technology and policies to safeguard your privacy from unauthorised access and improper use and will continue to update these measures as new technology becomes available.
This website is for UK residence and businesses only. Terms and Conditions apply.